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Jacob Stroh

Health Coverage You Can Feel Good About

Farm Bureau Agents Know Health Insurance

Medical insurance can be complicated. Finding the right coverage shouldn't be. Whether you are searching for a policy for yourself, your family, or your business, your local Farm Bureau agent is here to help. Farm Bureau agents know health insurance. They can make getting quality coverage easy to understand and easy to buy.

Don't Go It Alone.

The open enrollment period for 2018 individual plans is November 1, 2017 – December 15, 2017. I can help you understand your options and make the right choice for you and your family. For a purchase of such importance, isn’t it best to work with a neighbor who cares about their community and wants to get you the right coverage?

With a variety of options to choose from, your Farm Bureau agent will help you determine the health insurance coverage that best fits your needs and budget.

Individual Health Insurance

You can choose plans based on your specific needs. All plans cover the same set of essential health benefits, but vary in their cost-sharing elements – deductible, copay and coinsurance. Your monthly premium will be based on several factors, including:

Your age

Whether you use tobacco

Where you live

Who's enrolled in the plan (spouse or child)

Provider network

Benefit plan you choose

Group Health Insurance

Whether your business is small or large, we can help you offer health insurance to your employees. I can explain the group health insurance plans available in your state.

Medicare Supplement and Medicare Part D plans

If you’re over age 65 and have Medicare, we offer plans to help fill the gaps in your insurance coverage, including Medicare Prescription Drug (Part D) plans.

Health insurance policies vary by carrier and individual and may not be offered through all agents or available in all states. Health insurance is underwritten by a variety of insurance companies not affiliated with our companies.

Deductible

The dollar amount a policyholder pays in out-of-pocket expenses before the insurance company begins to cover costs for medical services.

Lifetime benefit maximum/limit

Open enrollment period

A period of time each year when you can purchase or change health coverage for individuals under 65. The 2018 federal open enrollment period is scheduled for November 1, 2017, through December 15, 2017.

Out-of-pocket costs

Health care costs a policyholder pays that are not reimbursed by the insurance company. These can include deductibles, co-payments and coinsurance. Premiums are not considered an out-of-pocket expense.

Out-of-pocket maximum

The total amount of cost share you'll pay for certain covered services each year. After you have paid this amount out of pocket, the plan will cover any additional costs in full.

Premium

The monthly cost paid to an insurance company or a health plan for a health insurance policy.

Agent must be a registered representative of FBL Marketing Services, LLC to discuss mutual funds or college funding options.

Health insurance policies vary by carrier & individual and may not be offered through all agents or available in all states. Health insurance is underwritten by a variety of insurance companies not affiliated with our companies.

Long-Term Care and Disability Income insurance policies are underwritten by a variety of insurance companies that are not affiliated with our companies.

IMPORTANT: The information and material contained on this Web site is not an offer to sell or a solicitation to buy any security or any insurance product in any jurisdiction. No security or other insurance product is offered or will be sold in any jurisdiction in which such offer or solicitation purchase or sale would be unlawful under the securities, insurance or other laws of such jurisdiction. Not all products are available in all states. Exclusions, limitations and reductions may apply. This Web site briefly highlights Farm Bureau's insurance policies and their benefits. The contract is contained only in the policy. Farm Bureau products are offered by Farm Bureau agents. For more information about any Farm Bureau product, please contact your local agent or nearest office using the Agent Locator.